Free Budget Calculators: 50/30/20, Daily Allowance

🧾 Bill Split Calculator: Tip, Rounding and Shares | Cash Book Enter the bill, the number of people and a tip percentage. Get each share, round it up to the nearest 1 or 5, and see what 2 full payers leave the rest. 🪜 Debt Payoff Calculator: Avalanche vs Snowball Months (Free) Enter each debt balance, APR and minimum, add an extra payment, and get the months and total interest both ways: 29 months on the default three debts. 🛟 Emergency Fund Calculator: How Much to Save and When (Free) Enter your essential monthly costs, pick 3, 6, 9 or 12 months of cover, and see the target, the gap left and the months to close it at your monthly amount. 🏦 IBAN Validator: Check Any IBAN Number Free | Cash Book Paste an IBAN and check its length and the ISO 13616 mod-97 check digits across all 79 IBAN countries. Runs in the browser, nothing is uploaded. ⚖️ Net Worth Calculator: Assets Minus Debts, Free and Private Fill in seven asset boxes and seven debt boxes. Get net worth, total assets, total debts and the liquid figure, with debts shown as a percentage of assets. 🧾 VAT Calculator: Add or Remove VAT, 30 Rates | Cash Book Add VAT to a net price or take it back out of a gross total, with the standard rates for 30 countries built in. Runs in your browser, nothing is uploaded. 🧮 50/30/20 Budget Calculator: Split Your Take-Home Pay (Free) Enter monthly take-home pay and get the 50/30/20 split in seconds: needs, wants and savings as 3 amounts, a table of what counts where, and an adjustable split. 🪫 50/30/20 on a Low Income: When Needs Are More Than 50% When rent and bills take 60 to 75 percent of take-home pay, the 50/30/20 split does not fit. 5 honest adjustments, in order of how much they move the number. ⚖️ 50/30/20 Needs vs Wants: What Counts in Each Bucket A consequences test, 7 gray areas settled (car, phone, groceries, gym, childcare, debt, clothes) and a 22-line table of what goes under needs, wants or savings. 📆 Daily Spending Allowance Calculator: Your Number Per Day (Free) Enter monthly income, fixed bills, a savings target and the days left. Get 1 daily allowance, a weekly figure and what tomorrow becomes if you spend X today. 🎓 Daily Budget for Students: Make a Term's Money Last (Worked) Divide a term's lump sum by the days to the next payment, hold back fixed costs and a buffer first, and keep a daily number for the rest. 117-day worked example. 🗓️ How to Set a Daily Budget You Can Actually Keep (5 Steps) Set a daily spending number in 5 steps: true fixed bills, a savings line, the right period, what it covers and how it moves. With a worked $3,200 month. ⏱️ Hours of Work Calculator: What a Price Costs in Your Time Enter a price and your hourly wage, or monthly pay and hours, to see how many hours and minutes of work it costs, with a table from $10 to $1,000. 🧮 Estimate Your Real Hourly Wage: The Rate You Actually Earn A 4-step worksheet: start with take-home pay, add commuting and unpaid hours, subtract work costs, and see why $18.75 an hour is often nearer $13. 🧭 The Price in Hours of Work Method: How to Use It Every Day How to price any purchase in hours of your work: the 1-line formula, a 5-row table to memorize, when the method helps, and the 3 cases where it goes too far. 🎯 Savings Goal Calculator: Months to Goal or Monthly Amount (Free) Enter a goal, what is saved and a monthly amount or a target date. Get the months and date, or the required monthly figure, plus what a $3 to $8 daily habit adds. ⏳ How Long Will It Take to Save? The Formula and a Reference Table Months to a goal is the remaining amount divided by the monthly contribution, rounded up. A 6-row table for $1,000 to $20,000 goals and 4 levers that move the date. 💵 How to Save $1,000 in 3 Months: $333 a Month, Found 4 Ways $1,000 in 3 months is $333 a month or $77 a week. Find it in 4 places: a daily habit, subscriptions, a weekly cap and a one-off, plus a 13-week plan. ☕ Small Purchases Calculator: What a Habit Costs Over 10 Years Enter the price of a small habit and how often you buy it to see the cost per month, per year and over 10 years, plus the hours of work behind it. 🧾 Latte Factor Explained: The Math and Where It Overreaches Where the latte factor came from, why $4.50 a day is $1,170 a year, what the invested-return step assumes, and 4 reasons a coffee is rarely the real problem. 🥐 What a Daily Coffee Costs a Year: A Table by Price and Frequency A table from $2.50 to $7 per cup at 3, 5 and 7 days a week with monthly, yearly and 10-year totals, the hours of work behind a $4.50 habit, and 3 ways to cut it. 🔁 Subscription Cost Calculator: Your Real Monthly and Yearly Total Add each subscription with its price and billing period to see the total per month, per year and over 5 years, plus what cancelling any one of them saves. 🧹 How to Audit Your Subscriptions in an Hour (Step by Step) A 6-step subscription audit: where to find every recurring charge, a keep-or-cancel test for each line, how to cancel cleanly, and how to keep the list short. 📅 Yearly Cost of Monthly Subscriptions: A Reference Table Why $9.99 a month is $120 a year and $600 over 5 years, with a table from $2.99 to $59.99, the 4.33-week rule for weekly plans and a monthly-vs-yearly test.